Build credit for free.
No credit card, no fees, no catch.
Get started in seconds.


You’ll build credit by establishing a payment history with Kikoff. Best part? You already have everything you need to get started.

1. Signup for a
Kikoff account.

Get instantly approved after verifying your identity.

No bank account, credit card or credit score needed.

2. Get approved
for our plan.

Receive funds from our loan to kick off your payment history.

We’ll deposit your cash ($12) instantly.

3. Pay us back
each month.

Pay back $1 each month to demonstrate your credit.

With just one click each month, you’ll be building credit.


Lenders want to know that you’ll be responsible with money. That’s why payment history makes up 35% of every credit score. We’ll help you build a record of on-time payments to show the credit bureaus.

If you’re new to credit, expect to see a 600+ score within 30 days of getting started with Kikoff.


At Kikoff, we believe that everyone should have the opportunity to own their financial future. We’ve seen people get burned all-too-often by credit cards when trying to establish credit which is why we’ve created a way to build credit in an environment free from surprises, hidden fees, and interest rates. To make sure Kikoff will actually be accessible to anyone and everyone, we’ve made our service free.

"Score went up! 0 to 596 in the first month!"
Jayden T
“Hey my friend’s score went up by 593 because of you guys! Thanks you guys are helping the community so I’ll support it all the way.”
Shalikash I
“Love the fact you can build credit using a no cost loan! hope to see more products from this company in the future! This loan is completely free.”
Christian G
“Simple and free way to build your credit. It doesn't get any easier than this!”
Yvonne A
“I can build credit with no money and it's easy with one payment I got 616 credit points i had 0 credit to begin with Thank you Kikoff”
T Anderson



At Kikoff, we believe everyone should have access to financial opportunity.

We’re committed to making credit building more accessible, widening the circle of opportunity for everyone.

We saw it happening too often — friends and family being rejected for apartments and car loans, and overpaying on mortgage interest payments. Though they had a job and an income, they waited too long to start building credit.

Today, your financial health is like your medical health. You get it from your parents, both the good and the bad. With a combined twenty years of financial technology experience at some of the most well-known names, our founders made it their mission to democratize access to financial services. Whether you're completely new to credit or still finding your groove, who you are is enough to get started.

Meet the Team
Kikoff is venture-capital backed and funded by many of Silicon Valley’s most savvy investors — including social impact investors.